The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$16,383
−HK$1,027/mo
▼ 0.25% · 3.875%
HK$16,893
−HK$517/mo
Today · 4.125%
HK$17,410
baseline
▲ 0.50% · 4.625%
HK$18,470
+HK$1,060/mo
Deposit HK$3.59M · loan HK$3.59M · min. income ≈ HK$34,820/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$215,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,226
−HK$985/mo
▼ 0.25% · 3.875%
HK$18,715
−HK$496/mo
Today · 4.125%
HK$19,211
baseline
▲ 0.50% · 4.625%
HK$20,223
+HK$1,012/mo
Deposit HK$3.59M · loan HK$3.59M · min. income ≈ HK$38,422/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$215,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,660
−HK$1,232/mo
▼ 0.25% · 3.875%
HK$20,271
−HK$621/mo
Today · 4.125%
HK$20,892
baseline
▲ 0.50% · 4.625%
HK$22,164
+HK$1,272/mo
Deposit HK$2.87M · loan HK$4.31M · min. income ≈ HK$41,784/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$215,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,871
−HK$1,182/mo
▼ 0.25% · 3.875%
HK$22,458
−HK$595/mo
Today · 4.125%
HK$23,053
baseline
▲ 0.50% · 4.625%
HK$24,268
+HK$1,215/mo
Deposit HK$2.87M · loan HK$4.31M · min. income ≈ HK$46,106/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$215,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,936
−HK$1,439/mo
▼ 0.25% · 3.875%
HK$23,650
−HK$725/mo
Today · 4.125%
HK$24,375
baseline
▲ 0.50% · 4.625%
HK$25,858
+HK$1,483/mo
Deposit HK$2.16M · loan HK$5.03M · min. income ≈ HK$48,750/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$215,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,516
−HK$1,379/mo
▼ 0.25% · 3.875%
HK$26,201
−HK$694/mo
Today · 4.125%
HK$26,895
baseline
▲ 0.50% · 4.625%
HK$28,313
+HK$1,418/mo
Deposit HK$2.16M · loan HK$5.03M · min. income ≈ HK$53,790/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$215,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,489
−HK$1,850/mo
▼ 0.25% · 3.875%
HK$30,407
−HK$932/mo
Today · 4.125%
HK$31,339
baseline
▲ 0.50% · 4.625%
HK$33,246
+HK$1,907/mo
Deposit HK$718K · loan HK$6.47M · min. income ≈ HK$62,678/mo (50% DSR)
Upfront cash ≈ HK$934K (deposit + AVD stamp duty HK$215,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,807
−HK$1,772/mo
▼ 0.25% · 3.875%
HK$33,687
−HK$892/mo
Today · 4.125%
HK$34,579
baseline
▲ 0.50% · 4.625%
HK$36,402
+HK$1,823/mo
Deposit HK$718K · loan HK$6.47M · min. income ≈ HK$69,158/mo (50% DSR)
Upfront cash ≈ HK$934K (deposit + AVD stamp duty HK$215,542 · Scale 2, in force from 26 Feb 2026)
Up to 90% LTV is available for self-use properties at HK$10M or below under the Mortgage Insurance Programme (first-time buyers).